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𝗧𝗵𝗲 𝗰𝗮𝘀𝗵 𝗿𝗮𝘁𝗲 𝗶𝘀 𝗻𝗼𝘄 𝗮𝘁 𝗶𝘁𝘀 𝗵𝗶𝗴𝗵𝗲𝘀𝘁 𝗹𝗲𝘃𝗲𝗹 𝗶𝗻 𝟭𝟱 𝘆𝗲𝗮𝗿𝘀 𝗮𝗻𝗱 𝗳𝗮𝗺𝗶𝗹𝗶𝗲𝘀 𝗮𝗿𝗲 𝗳𝗲𝗲𝗹𝗶𝗻𝗴 𝘁𝗵𝗲 𝗽𝗶𝗻𝗰𝗵. 𝗧𝗵𝗲 𝗴𝗼𝗼𝗱 𝗻𝗲𝘄𝘀 𝗶𝘀 𝘁𝗵𝗲𝗿𝗲’𝘀 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗱𝗼 𝗮𝗯𝗼𝘂𝘁 𝗶𝘁. Lenders are competing hard for your refinance business, with sharp rates and cashback offers of $2,000 to $4,000 on the table. That’s because fewer purchase loans are settling, and banks are fighting to protect and grow their loan books. But the best mortgage strategy is rarely about the lowest rate or the biggest cashback. That is just part of the picture. 𝗜𝗻 𝘁𝗵𝗶𝘀 𝗲𝗽𝗶𝘀𝗼𝗱𝗲, 𝘁𝗵𝗲 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗧𝗿𝗶𝗼 𝘀𝗵𝗮𝗿𝗲 𝗽𝗿𝗮𝗰𝘁𝗶𝗰𝗮𝗹 𝘄𝗮𝘆𝘀 𝘁𝗼 𝗺𝗮𝗸𝗲 𝘆𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗹𝗼𝗮𝗻 𝘄𝗼𝗿𝗸 𝗵𝗮𝗿𝗱𝗲𝗿 𝗶𝗻 𝗮 𝗵𝗶𝗴𝗵-𝗿𝗮𝘁𝗲 𝗲𝗻𝘃𝗶𝗿𝗼𝗻𝗺𝗲𝗻𝘁: 💳 The credit card and offset strategy that keeps more cash working against your mortgage, and the one rule you can’t break ⚖️ Should you fix your loan? How to decide, why you can still win even if you lose on the fixed rate and practical strategies from splitting your loan to avoiding break costs 📉 Falling property values and the valuation lag that may mean you have more equity than you think, as recent sales take time to settle and reach the valuers’ books, but you don’t have long 🧾 Consolidating personal debts into your home loan can ease cash flow pressure and how to do it without paying more interest over the long run 🔍 The simple banking trick that shows where your savings are quietly leaking 🏠 The overlooked opportunity to turn your home into an investment and keep grandfathered negative gearing benefits after the budget, and the repayment mistake that erodes your ability to make the most of this strategy 𝗜𝗳 𝘆𝗼𝘂'𝗱 𝗹𝗶𝗸𝗲 𝘁𝗼 𝗿𝗲𝗱𝘂𝗰𝗲 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗰𝗼𝘀𝘁𝘀, 𝘁𝗵𝗶𝘀 𝗲𝗽𝗶𝘀𝗼𝗱𝗲 𝗶𝘀 𝗽𝗮𝗰𝗸𝗲𝗱 𝘄𝗶𝘁𝗵 𝗽𝗿𝗮𝗰𝘁𝗶𝗰𝗮𝗹 𝘄𝗮𝘆𝘀 𝘁𝗼 𝘀𝗮𝘃𝗲. Join Cate Bakos, Mike Mortlock and David Johnston in Property Trio episode: 🎧#𝟯𝟴𝟰: 𝗦𝗺𝗮𝗿𝘁 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 𝘁𝗼 𝗦𝘁𝗮𝘆 𝗔𝗳𝗹𝗼𝗮𝘁 𝗪𝗵𝗲𝗻 𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗥𝗮𝘁𝗲𝘀 𝗛𝗶𝘁 𝗮 𝟭𝟱-𝗬𝗲𝗮𝗿 𝗛𝗶𝗴𝗵 🔗 Link to the episode in the first comment #the_property_podcast #the_property_trio #PropertyPlanning

Great to catch up with Christine Huynh, Tom McArdle and Brad Clucas from Connective over lunch. There was plenty to chat about with everything happening across lending post-Budget, but thankfully it was not all work talk. Somehow the conversation went from Christine growing up around restaurants and knowing all things food, to braces and Brad’s slightly questionable history with DIY dentistry. Christine, Tom and Brad also arrived with a cake to help celebrate one of the older members of the Property Planning Australia team (shall we say), which went down very well when it made its way back to the office. Great food, plenty of laughs and even better company. Thanks Christine, Tom and Brad for a great afternoon. And all the best to Christine and Tom in their relatively new roles. We look forward to the next catch-up. #MortgageBroking #PropertyPlanning #Connective

🧮 𝗛𝗲𝗿𝗲'𝘀 𝗮 𝗕𝘂𝗱𝗴𝗲𝘁 𝗾𝘂𝗶𝗿𝗸 𝘁𝗵𝗮𝘁 𝗾𝘂𝗶𝗲𝘁𝗹𝘆 𝗿𝗲𝘄𝗮𝗿𝗱𝘀 𝘁𝗵𝗲 𝗽𝗲𝗼𝗽𝗹𝗲 𝘄𝗵𝗼'𝘃𝗲 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗱𝗼𝗻𝗲 𝘁𝗵𝗲 𝗯𝗲𝘀𝘁 𝗼𝘂𝘁 𝗼𝗳 𝘁𝗵𝗲 𝗼𝗹𝗱 𝘀𝘆𝘀𝘁𝗲𝗺. Two investors. Same purchase. Same loss. Wildly different outcomes. Let's say you buy an established property after 12 May 2026, and it runs at a loss. 𝟭. 𝗜𝗳 𝘆𝗼𝘂 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗵𝗮𝘃𝗲 𝗮 𝗽𝗼𝘀𝗶𝘁𝗶𝘃𝗲𝗹𝘆 𝗴𝗲𝗮𝗿𝗲𝗱 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼, that loss offsets your other rental income straight away, this year, no waiting required. 𝗬𝗼𝘂 𝗴𝗲𝘁 𝘁𝗼 𝗻𝗲𝗴𝗮𝘁𝗶𝘃𝗲𝗹𝘆 𝗴𝗲𝗮𝗿 𝗶𝘁! 𝟮. 𝗜𝗳 𝘆𝗼𝘂'𝗿𝗲 𝗮 𝘆𝗼𝘂𝗻𝗴 𝗳𝗶𝗿𝘀𝘁-𝘁𝗶𝗺𝗲 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿 𝗼𝗿 𝘆𝗼𝘂𝗿 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼 𝗶𝘀 𝘀𝘁𝗶𝗹𝗹 𝗻𝗲𝗴𝗮𝘁𝗶𝘃𝗲𝗹𝘆 𝗴𝗲𝗮𝗿𝗲𝗱, that loss just sits there. You don’t receive any negative gearing benefits until your residential income turns positive or you sell. 𝗔 𝗽𝗼𝘀𝗶𝘁𝗶𝘃𝗲𝗹𝘆 𝗴𝗲𝗮𝗿𝗲𝗱 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼 𝗱𝗼𝗲𝘀𝗻'𝘁 𝗵𝗮𝗽𝗽𝗲𝗻 𝗼𝘃𝗲𝗿𝗻𝗶𝗴𝗵𝘁. It typically takes years, often a decade or more, of holding property and benefiting from the very negative gearing rules now being wound back, before a portfolio tips into positive territory. 𝗦𝗼, 𝘁𝗵𝗲 𝗽𝗲𝗼𝗽𝗹𝗲 𝗯𝗲𝘀𝘁 𝗽𝗹𝗮𝗰𝗲𝗱 𝘁𝗼 𝗯𝗲𝗻𝗲𝗳𝗶𝘁 𝗳𝗿𝗼𝗺 𝘁𝗵𝗶𝘀 𝗻𝗲𝘄 𝗿𝘂𝗹𝗲 𝗮𝗿𝗲 𝘁𝗵𝗲 𝗽𝗲𝗼𝗽𝗹𝗲 𝘄𝗵𝗼'𝘃𝗲 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝗲𝗱 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗼𝗹𝗱 𝗼𝗻𝗲 𝗮𝗻𝗱 𝗵𝗮𝘃𝗲 𝗽𝗼𝘀𝗶𝘁𝗶𝘃𝗲𝗹𝘆 𝗴𝗲𝗮𝗿𝗲𝗱 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼𝘀. Long-term investors who built their position under the system the government now says needs fixing get to keep using a version of it. Everyone coming up behind them doesn't. It's not a level playing field, especially for young people looking to get into property investing. They have a huge disadvantage and face lower returns due to higher capital gains taxes and delayed gearing benefits. 𝗪𝗮𝗻𝘁 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗽𝗶𝗰𝘁𝘂𝗿𝗲 𝗼𝗻 𝘄𝗵𝗼 𝘄𝗶𝗻𝘀 𝗮𝗻𝗱 𝘄𝗵𝗼 𝗹𝗼𝘀𝗲𝘀 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗕𝘂𝗱𝗴𝗲𝘁? Read our blog, link in the first comment below! 👇

𝗪𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝗶𝗳 𝘆𝗼𝘂𝗿 𝗯𝗮𝗻𝗸 𝗺𝗮𝗱𝗲 𝗮 $𝟮𝟱𝟬 𝗮 𝗺𝗼𝗻𝘁𝗵 𝗺𝗶𝘀𝘁𝗮𝗸𝗲 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗹𝗼𝗮𝗻? Most people wouldn't. ASIC just checked 204,000 home loans and found offset accounts not linked, linked to the wrong loan or linked weeks late, while repayments looked completely normal the whole time. Banks have already paid out $55 million in compensation for these errors. 𝗪𝗲'𝘃𝗲 𝗰𝗵𝗮𝘀𝗲𝗱 𝗱𝗼𝘄𝗻 𝗼𝗳𝗳𝘀𝗲𝘁 𝗶𝘀𝘀𝘂𝗲𝘀 𝗼𝗻 𝗯𝗲𝗵𝗮𝗹𝗳 𝗼𝗳 𝗰𝗹𝗶𝗲𝗻𝘁𝘀 𝗮𝗻𝗱 𝗵𝗲𝗹𝗽𝗲𝗱 𝘁𝗵𝗲𝗺 𝘀𝗲𝗰𝘂𝗿𝗲 𝗿𝗲𝗳𝘂𝗻𝗱𝘀 𝗶𝗻 𝘁𝗵𝗲 𝘁𝗵𝗼𝘂𝘀𝗮𝗻𝗱𝘀 𝗼𝗳 𝗱𝗼𝗹𝗹𝗮𝗿𝘀 𝗼𝘃𝗲𝗿 𝘁𝗵𝗲 𝘆𝗲𝗮𝗿𝘀. Now ASIC has found this issue is endemic. We've always wondered about the accuracy of interest calculations. Perhaps it's the ultimate show of trust that every mortgage holder places in their lender, given most of us never take the time to check the interest we're paying is accurate. Well, it's evident that trust was misplaced. 𝗜𝘀 𝘆𝗼𝘂𝗿 𝗼𝗳𝗳𝘀𝗲𝘁 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗱𝗼𝗶𝗻𝗴 𝗶𝘁𝘀 𝗷𝗼𝗯? Read our blog to find out how to check your bank is calculating your interest correctly based on your offset 👇 🔗 Link in the first comment below

𝗗𝗶𝗱 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝘄𝗲'𝘃𝗲 𝗴𝗼𝘁 𝗼𝗻𝗲 𝗼𝗳 𝘁𝗵𝗲 𝘀𝗺𝗮𝗿𝘁𝗲𝘀𝘁 𝗯𝗿𝗼𝗸𝗲𝗿𝘀 𝗶𝗻 𝗩𝗶𝗰𝘁𝗼𝗿𝗶𝗮? Our own 𝗡𝗶𝗿𝗮𝗸𝗮𝗿 𝗝𝗵𝗮 took the stage as a finalist in the 𝗙𝗕𝗔𝗔 𝗦𝗺𝗮𝗿𝘁𝗲𝘀𝘁 𝗕𝗿𝗼𝗸𝗲𝗿 𝟮𝟬𝟮𝟲 competition and came away 𝗿𝗮𝗻𝗸𝗲𝗱 𝟰𝘁𝗵 𝗶𝗻 𝘁𝗵𝗲 𝘀𝘁𝗮𝘁𝗲. 🏆 It was a great opportunity to put industry knowledge to the test, connect with others in the broking community and celebrate the expertise that goes into delivering great outcomes for clients every day. For us, being a great 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗕𝗿𝗼𝗸𝗲𝗿 goes beyond knowing lending policy across our 40 plus different lenders. It’s about understanding the strategy behind the numbers, listening to our clients’ needs and goals, thinking long-term and helping clients make informed decisions that support where they want to go next. 💡 𝗖𝗼𝗻𝗴𝗿𝗮𝘁𝘂𝗹𝗮𝘁𝗶𝗼𝗻𝘀 𝗡𝗶𝗿𝗮𝗸𝗮𝗿 𝗼𝗻 𝗮 𝗳𝗮𝗻𝘁𝗮𝘀𝘁𝗶𝗰 𝗮𝗰𝗵𝗶𝗲𝘃𝗲𝗺𝗲𝗻𝘁 𝗮𝗻𝗱 𝘃𝗲𝗿𝘆 𝘄𝗲𝗹𝗹 𝗱𝗲𝘀𝗲𝗿𝘃𝗲𝗱! 🎉 #FBAA #SmartestBroker #MortgageBrokerAustralia #MortgageBroker #MortgageStrategy #HomeLoansAustralia #PropertyFinance #AustralianProperty #StrategicMortgageBroker #PropertyPlanningAustralia

𝗧𝗵𝗲 𝗥𝗕𝗔 𝗵𝗮𝘀 𝗵𝗲𝗹𝗱 𝘁𝗵𝗲 𝗰𝗮𝘀𝗵 𝗿𝗮𝘁𝗲 𝗮𝘁 𝟰.𝟯𝟱% 𝗮𝗴𝗮𝗶𝗻, 𝗯𝘂𝘁 𝘁𝗵𝗲 𝗯𝗶𝗴𝗴𝗲𝗿 𝗻𝗲𝘄𝘀 𝗶𝘀 𝘄𝗵𝗮𝘁'𝘀 𝗰𝗼𝗺𝗶𝗻𝗴 𝗻𝗲𝘅𝘁. For the first time in this cycle, all four major banks now agree the next move in rates will be down. Here's what they're currently forecasting: 📉 CBA: first cut May 2027 📉 NAB: first cut June 2027 📉 Westpac: first cut August 2027 📉 ANZ: first cut September 2027 History shows buyer confidence tends to shift quickly once it seems likely the next movement is down. 𝗙𝗼𝗿 𝘁𝗵𝗼𝘀𝗲 𝘄𝗵𝗼 𝗺𝗼𝘃𝗲 𝗯𝗲𝗳𝗼𝗿𝗲 𝘁𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀, 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄 𝗺𝗲𝗮𝗻𝘀: 🎯 Less competition 🏡 More choice 💪 Stronger negotiating power That window won't stay open for long. If you're a first home buyer or thinking about upgrading, investing or refinancing, there's a lot of opportunity, and now could be the best time to act. 𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝘂𝘀 𝗳𝗼𝗿 𝗮 𝗳𝗿𝗲𝗲 𝗹𝗼𝗮𝗻 𝗵𝗲𝗮𝗹𝘁𝗵 𝗰𝗵𝗲𝗰𝗸 𝘁𝗼 𝗿𝗲𝘃𝗶𝗲𝘄 𝘆𝗼𝘂𝗿 𝗲𝘅𝗶𝘀𝘁𝗶𝗻𝗴 𝗹𝗲𝗻𝗱𝗶𝗻𝗴 𝗮𝗻𝗱 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆, 𝗼𝗿 𝘁𝗼 𝗲𝘅𝗽𝗹𝗼𝗿𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗻𝗲𝘅𝘁 𝗽𝘂𝗿𝗰𝗵𝗮𝘀𝗲. 🔗 Link in the first comment below